Comparison

Bank Account vs The Checkbook

Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.

Head to head
About

Bank Account

This app helps you manage multiple bank accounts and track transactions locally on your device. It offers features like total balance overview, currency selection, and transaction backups to CSV or TXT files. It's designed for personal financial tracking and includes an optional ad-free subscription.

Highlights
  • Manage multiple accounts
  • Total balance overview
  • Currency selection per account
  • Backup/restore transactions
  • Search transactions
  • Expense breakdown by category
  • Lock screen option
Features
Read full description

Note: this app keeps transactions locally on the device only, it does not sync or back up to the cloud automatically. Manual backups must be used. You can now backup your transactions to .csv or .txt file and restore from a back up! **All functionality is available for Free -NEW! Ability to use Siri to add a transaction -NEW! Ability to upload receipts to a transaction and auto import the value. Receipts are optionally saved on export -Manage multiple accounts! -Shows a 'Total' Balance of all accounts -Select the currency for each account -Backup your transactions to .csv or .txt file -Restore from a backup -Add 2 widget options to your Home Screen -Search for transactions -Overview of balance, by month or by year -Breakdown of expenses by category -Ability to add a lock screen with Face/Touch ID -Mark as Cleared -Prompts user and asks if a transaction is the starting balance, if a starting balance has not been created yet. -Simple to use -Perfect for anyone to track their transactions, from checks to debit card purchases. (Use for personal tracking of Bank Account balance only. Check monthly with real bank statement to verify transactions) A quarterly (every 3 months) subscription is available to remove ads for $.99 cents. Cancel anytime. Please view the End User License Agreement here: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/

About

The Checkbook

Manage your finances on the go with this transaction tracker. Easily record income and expenses, schedule upcoming bills, and reconcile with your bank statements for accurate balance tracking. Offers multiple accounts, customizable themes, and secure access.

Highlights
  • Real-time transaction tracking
  • Upcoming bill and deposit scheduling
  • Bank account reconciliation
  • Multiple account management
  • Customizable color themes
  • Transaction search and filtering
  • Recurring transaction setup
Features
Currently charting
Read full description

Finance At Your Fingertips Track your financial transactions on-the-go in real time. Enter upcoming bill payments and deposits to see how your account balance will change. Reconcile each transaction against your bank account to balance your checkbook and ensure accuracy to the penny. * No ads. * Quick entry screen for new transactions to keep up with spending while you're on the move. * Create a new transaction in seconds with type ahead feature for common transactions. * Manage transactions in multiple accounts. * Customize color theme for each account. * Search for transactions. * Toggle visibility of reconciled transactions to see what hasn't cleared your bank account yet. * Set up recurring transactions. * Transfer money between accounts. * Basic reporting to view spending or income by category and daily spending. * Export transactions to CSV file. * Enable Face ID / Touch ID to secure access to your financial data. * Turn on iCloud Drive data storage to sync transactions across multiple devices. * Share every new transaction with a joint account owner via email or Shared Storage (subscription required) to keep app in sync for different users. Privacy Note: The developer does not collect any data from this app for the default local device or iCloud storage options. The developer only securely stores data for the Shared Storage option (subscription required) for the purpose of sharing and syncing the data with your invited users. See Privacy Policy for more details.

Screenshots

Bank Account4 screens
The Checkbook4 screens

Verdict

The call

The clearest difference is price: Bank Account at Free against The Checkbook's $4.99. Bank Account also leads on device support (3 vs 1). The Checkbook's advantage is rating (4.8 vs 4.0) and ads (none vs shown). On review sentiment, in-app purchases and iOS requirement there is nothing between them.

Scored on Price · Rating · Positive reviews · Number of ratings · Update frequency · Ads · In-app purchases · Monetization · Best chart rank · Devices · Requires iOS

CostPrice · In-app purchases · Ads · Monetization

Bank Account is free to download; The Checkbook costs $4.99 up front. Bank Account sells 1 in-app purchase, starting at $0.99 per 3 months and The Checkbook sells 2 in-app purchases, starting at $1.99 per month. Whichever you choose, the download price is not the number that matters.

ReceptionRating · Positive reviews · Number of ratings

The Checkbook holds the better App Store score, 4.8 against 4.0. That said, the two scores are not equally well evidenced: The Checkbook has 997 ratings behind it against 32, so its average is the more settled of the two. Written reviews complicate that: 80% of Bank Account's written reviews are positive against 76% of The Checkbook's, so the app with the better star average is not the one people write more warmly about.

UpkeepUpdate frequency

Bank Account ships an update every 4 months, The Checkbook fortnightly. Both last shipped on October 30, 2026.

Scorecard8 real differences · 3 level
Bank Account versus The Checkbook: the parameters behind the verdict, then further details
ParameterBank AccountThe Checkbook
PriceFree — better$4.99
Rating4.0 (32 ratings)4.8 (997 ratings) — better
Positive reviews79.7% of reviews — better76.1% of reviews
Number of ratings32997 — better
Update frequencyEvery 4 monthsFortnightly — better
AdsYesNo — better
In-app purchasesYesYes
MonetizationFree with in-app purchasesFree — better
Best chart rank—#7 — better
DevicesiPhone, iPad, iPod — betteriPhone
Requires iOS15.0 — better16.4
Further details — not scored
Size5 MB61 MB
Age rating4+4+
DeveloperHarden Consulting LLCFour One Four 213, LLC

Customer experience

Bank Account

All ratings32 ratings
Positive71.9%
Neutral12.5%
Negative15.6%
Written reviews79 reviews
Positive79.7%
Neutral6.3%
Negative13.9%

The Checkbook

All ratings970 ratings
Positive95.3%
Neutral2.0%
Negative2.8%
Written reviews109 reviews
Positive76.1%
Neutral9.2%
Negative14.7%

User reviews

Bank Account

From 32 App Store ratings

What we love

  • 👍 Simple and functional
  • 👍 Easy data entry
  • 👍 Not overcrowded with features
  • 👍 Best thing since sliced bread
  • 👍 Super organized

Room to improve

  • 🐛 Too much going on, becomes a hindrance
  • 🐛 Forget to select 'save', no warning
  • 🐛 Ledger can be off
  • 🐛 Missing items with no notification
  • 🐛 Inefficient workflow

The Checkbook

From 997 App Store ratings

What we love

  • 💻 Easy to use
  • 🔍 Helps track finances
  • 📱 Convenient mobile app
  • 🧮 Simple check register
  • 🔒 Secure with Face ID

Room to improve

  • 🔢 Limited account name length
  • 🔍 Difficult to view past transactions
  • 🔢 No custom currency options
  • 🐛 Data loss issues
  • 🚫 No iPad-optimized layout

Bugs and requests

Bank Account

Reported bugs

16 issues
  • Forget to select 'save', no warning
  • Ledger can be off
  • Missing items with no notification
  • Unable to change dollar amount
  • Doesn't work anymore
Show 11 more
  • Not working after last upgrade
  • Can't input transactions
  • Not working
  • Can't see the date
  • Can't reconcile accounts
  • Won't add info between phones
  • Check number and payee in same box
  • Crashes frequently
  • Can't reconcile with wife's phone
  • Secondary user can't reconcile
  • Switching to secondary causes crash

Requested features

20 requests
  • Simplify entry process
  • Redesign to address 'save' issue
  • Duplicate entry saved on exit
  • See all accounts on one screen
  • Reconcile each transaction
Show 15 more
  • Transfer between accounts easily
  • Import/export capability
  • Editable transactions
  • See 'current' and 'cleared' balance per account
  • Add transactions for the future (pending)
  • Cleared function for bank statement balancing
  • Separate entries for check number and payee
  • iCloud support
  • Note section for transactions
  • Numerical passcode without enter button
  • Recurring events
  • Recurring transactions
  • Notes section for more detail
  • Password lock for security
  • Categorize expenses

The Checkbook

Reported bugs

3 issues
  • Data loss and sync issues
  • Incorrect transaction display
  • Recurring transactions not working as expected

Requested features

6 requests
  • 📊 Spending reports and analytics
  • 🔁 More recurring transaction options
  • 🖨️ Check printing capability
  • 🔀 Ability to split transactions
  • 🔄 Easier transaction editing/deletion
Show 1 more
  • 🔒 Backup and restore options

In-app purchases

1 purchases

Bank Account

Subscriptions1
  • Remove Ads$0.993 Months
2 purchases

The Checkbook

Subscriptions2
  • Shared Storage - Monthly$1.991 Month
  • Shared Storage - Annual7 Days trial$19.991 Year

Questions

Is Bank Account free?
Bank Account is free to download, with in-app purchases available.
Is The Checkbook free?
The Checkbook costs $4.99, and also offers in-app purchases.
Which has better reviews, Bank Account or The Checkbook?
The Checkbook is rated higher. Bank Account averages 4.0 out of 5 from 32 ratings, while The Checkbook averages 4.8 from 997 ratings.
Do Bank Account or The Checkbook have ads?
Bank Account shows ads; The Checkbook does not.
Which is updated more often, Bank Account or The Checkbook?
Bank Account ships an update every 4 months, and The Checkbook fortnightly. Most recently, Bank Account was updated on October 30, 2026 and The Checkbook on October 30, 2026.

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